Glens Falls, NY · Charter 12671
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
42
Profitability
55
Liquidity
9
Efficiency
41
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Glens Falls, NY · Charter 12671
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.62% | 1.07% | 1.15% | 1.21% | 1.14% | 0.80% | 0.77% | -38 bps | |
| Return on Equity | 8.83% | 8.79% | 16.35% | 15.62% | 15.05% | 14.55% | 9.99% | 9.38% | -625 bps | |
| Net Interest Margin | 3.06% | 3.08% | 3.22% | 3.62% | 3.87% | 3.80% | 3.38% | 3.50% | -12 bps | |
| Efficiency Ratio | 81.49% | 81.34% | 70.20% | 72.17% | 72.94% | 74.14% | 79.84% | 81.12% | +894 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.28% | -3.25% | 10.95% | -0.18% | 2.18% | 1.51% | -6.20% | 0.20% | +39 bps | |
| Loan Growth (YoY) | 0.41% | -2.26% | -3.30% | -6.77% | -6.32% | -8.31% | -9.94% | -14.59% | -781 bps | |
| Share Growth (YoY) | -1.50% | 2.97% | 11.05% | -1.92% | 1.45% | 0.47% | -7.82% | 0.55% | +247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.35% | 0.00% | 0.76% | 1.39% | 0.30% | 0.00% | 0.81% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.10% | 7.04% | 6.55% | 7.37% | 8.01% | 7.81% | 7.98% | 8.26% | +90 bps | |
| Net Worth / Assets | 7.10% | 7.04% | 6.55% | 7.37% | 8.01% | 7.81% | 7.98% | 8.26% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.89% | 51.10% | 44.21% | 48.66% | 48.84% | 46.64% | 43.19% | 41.33% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Glens Falls, NY · Charter 12671 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.78%
Rank 804 of 1,683
Net Interest Margin
3.50%
Rank 1,127 of 1,683
Efficiency Ratio
81.08%
Rank 985 of 1,682
Equity / Assets
8.26%
Rank 1,603 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.35% | 0.74% | 1.18% | Beats 52% | 804 / 1,683 | ||
| Return on Equity | 9.40% | 2.67% | 5.89% | 8.74% | Beats 80% | 340 / 1,681 | ||
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,127 / 1,683 | ||
| Efficiency Ratio | 81.08% | 68.91% | 78.20% | 86.93% | Beats 41% | 985 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.26% | 0.65% | 1.29% | Beats 42% | 970 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,603 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,603 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.34% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,477 / 1,683 | ||
| Loans / Assets | 37.45% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,417 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||